Open source

Actual Budget

Zero-based envelope budgeting in one container, with the budget file on your disk and no subscription attached to your money.

actualbudget/actual · ★ 28,076 · last commit 0d ago · MIT · needs 512 MB RAM · runs on ARM (Pi-friendly)
Actual Budget running from the boot-verified compose file
Actual Budget, running from the compose file on this page — screenshot from our verified instance, not marketing material.

One tool, 2 subscriptions

The same server can serve several escape hatches — that's how a $5 VPS beats a $50 SaaS bill.

Monarch MoneyYES
$14.99/mo · breaks even in 0.4 mo
YNABYES
$9.08/mo · breaks even in 3.8 mo